With the reduction of the legal voting age for national referendums and public elections to 18, the age of
majority in the Civil Code was also lowered from 20 to 18. Young adults aged 18 and 19 were legally
empowered to enter into contracts independently. However, this change also exposes them to the potential
risks of debt and financial liability. Recognizing that many young adults may lack adequate legal knowledge,
the concept of “Fundamental Adult Competency” was introduced as a framework for educating them. This
framework provides essential knowledge about the nature of contracts and emphasizes basic obligations that
come with full social and economic membership in civil society. This paper examines the implications and
importance of this “Fundamental Adult Competency” approach.departmental bulletin pape
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